MACATAWA BANK is now A WINTRUST COMMUNITY BANK. Click here for more information.
two business men working on a laptop in an office

Business Checking

Navigating your business forward.

Set your business on course and make your money work as hard as you do with one of our business checking account options.  Achieve even greater efficiency utilizing our treasury management tools and commercial financing options.  We make running your business smooth sailing.

Use the chart below to compare the business checking account options available to meet your unique checking needs.

Business Basic Checking
Start-up or small business with low balance and low monthly transaction volume
Business Access Checking
Small to mid-size business with low to moderate monthly transaction volume 
Business Access Plus Checking
Small to mid-size business with low to moderate monthly transaction volume desiring interest option
Business Advantage Checking
Mid size to large business with moderate to high balances and moderate to high monthly transaction volume
Opening Requirements
$50
Opening Requirements
$50
Opening Requirements
$50
Opening Requirements
$50
Monthly Maintenance Fee
N/A
Monthly Maintenance Fee
$7
Monthly Maintenance Fee
$15
Monthly Maintenance Fee
$60
How To Avoid Or Reduce Maintenance Fee
No minimum balance requirement
How To Avoid Or Reduce Maintenance Fee
$2,500 average available minimum balance requirement per statement cycle
How To Avoid Or Reduce Maintenance Fee
$10,000 average available minimum balance requirement per statement cycle
How To Avoid Or Reduce Maintenance Fee
$15,000 average available minimum balance requirement per statement cycle
Transaction Allowance
501
Transaction Allowance
2001
Transaction Allowance
1501
Transaction Allowance
5001
Earnings Credit Allowance
N/A
Earnings Credit Allowance
N/A
Earnings Credit Allowance
N/A
Earnings Credit Allowance
N/A
Earns Interest
N/A
Earns Interest
N/A
Earns Interest
Yes
Earns Interest
Optional Business Advantage Money Market Sweep feature available2
Interest Tiers
N/A
Interest Tiers
N/A
Interest Tiers
$0 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 +
Interest Tiers
N/A
Cash Deposits Per Month
Free up to $7,0003
Cash Deposits Per Month
Free up to $7,0003
Cash Deposits Per Month
Free up to $7,0003 
Cash Deposits Per Month
Free up to $20,0003 
Online Banking & Bill Pay
Yes
Online Banking & Bill Pay
Yes
Online Banking & Bill Pay
Yes
Online Banking & Bill Pay
Yes
Extras
Treasury Management Service options
eStatements available
Business Debit Card
Business Credit Card
Extras
Treasury Management Service options
eStatements available
Business Debit Card
Business Credit Card
Extras
Treasury Management Service options
eStatements available
Business Debit Card
Business Credit Card
Extras
Treasury Management Service options
eStatements available
Business Debit Card
Business Credit Card








   


 
1 Monthly allowable transactions per statement cycle at no charge ($0.40 for each item over monthly transaction allowance). Transactions include: checks paid, items deposited, deposit tickets, ACH credits received, ACH debits received, POS debits.
2 With the optional Business Advantage Money Market Sweep service, an automated sweep transfer is established between a noninterest-bearing Business Advantage Checking account ("Checking") and an interest-bearing non-transaction Business Advantage Money Market account ("Money Market") based upon a target minimum and maximum balance on the Checking account.  Establishment of the Business Advantage Money Market sweep service on the Business Advantage  Checking account may reduce your FDIC deposit coverage.
3 Excess cash deposits are charged at $0.0012 per $1.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.
* = Required field.


Preferred form of contact*

Recaptcha*